Best Medicare Advantage Plans in Montana

There are several companies selling Medicare Advantage plans in Montana. See which ones have plans that come out on top.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Edited by Dawnielle Robinson-Walker

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Nearly 250,000 people in Montana are signed up for Medicare

Centers for Medicare & Medicaid Services. Fact Sheet. Accessed Nov 28, 2022.

Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.

Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.

What to know about Medicare in Montana

About 1 in 5 people in Montana are 65 and older, and there is a variety of Medicare Advantage plans in the state

U.S. Census Bureau. QuickFacts, Montana. Accessed Nov 28, 2022.

  • The average monthly premium in 2023 for a Medicare Advantage plan in Montana is $23.06. (It was $29.28 in 2022.)

  • There are 26 Medicare Advantage plans available in Montana in 2023. (There were 24 plans in 2022.)

  • All Medicare-eligible people in Montana have access to a $0-premium Medicare Advantage plan.

Medicare Advantage companies in Montana

Top-rated Medicare Advantage plans in Montana

Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with at least one plan that received top marks in Montana for the 2023 plan year

Centers for Medicare & Medicaid Services. 2023 MA Landscape Source File (v 10 14 2022). Accessed Nov 28, 2022.
. (Get more information about Medicare star ratings.)

4.5-star plans

There are no companies in Montana with plans rated 5 stars in 2023. The company below offers plans in Montana that are rated 4.5 stars out of 5 by the CMS:

  • Humana.

4-star plans

The companies below offer plans in Montana that are rated 4 stars out of 5 by the CMS:

  • Blue Cross and Blue Shield of Montana.

  • Humana.

  • UnitedHealthcare.

Medicare resources in Montana

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

If you have additional questions about Medicare, visit or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.